Call reports 2007
TOWN BANK, THE — 2007
What TOWN BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 213,115,000 | 222,885,000 | 216,606,000 | 211,060,000 |
| Total loans | 165,628,000 | 161,001,000 | 159,817,000 | 160,114,000 |
| Allowance for loan losses | 1,850,000 | 1,850,000 | 1,850,000 | 1,850,000 |
| Securities available for sale | 12,884,000 | 14,656,000 | 21,476,000 | 18,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,518,000 | 174,882,000 | 167,877,000 | 160,126,000 |
| Interest-bearing deposits | 148,964,000 | 154,452,000 | 149,578,000 | 140,445,000 |
| Noninterest-bearing deposits | 16,554,000 | 20,430,000 | 18,299,000 | 19,681,000 |
| Equity capital | 43,243,000 | 43,594,000 | 44,250,000 | 44,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,692,000 | 7,456,000 | 11,250,000 | 14,705,000 |
| Interest expense | 1,681,000 | 3,429,000 | 5,193,000 | 6,717,000 |
| Net interest income | 2,011,000 | 4,027,000 | 6,057,000 | 7,988,000 |
| Noninterest income | 63,000 | 127,000 | 195,000 | 245,000 |
| Noninterest expense | 1,346,000 | 2,618,000 | 3,848,000 | 5,240,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 725,000 | 1,533,000 | 2,401,000 | 2,990,000 |
| Income tax | 283,000 | 644,000 | 996,000 | 1,235,000 |
| Net income | 442,000 | 889,000 | 1,405,000 | 1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,753,000 | 17,176,000 | 17,778,000 | 17,715,000 |
| Total capital | 18,603,000 | 19,026,000 | 19,628,000 | 19,565,000 |
| Risk-weighted assets | 162,291,000 | 160,758,000 | 159,535,000 | 157,512,000 |
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